Call reports 2013
CHOICE BANK — 2013
What CHOICE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 186,035,000 | 187,571,000 | 199,135,000 | 212,771,000 |
| Total loans | 162,497,000 | 172,399,000 | 171,905,000 | 180,697,000 |
| Allowance for loan losses | 4,922,000 | 4,507,000 | 4,661,000 | 4,634,000 |
| Securities available for sale | 9,689,000 | 9,279,000 | 10,964,000 | 13,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,779,000 | 161,598,000 | 163,327,000 | 176,437,000 |
| Interest-bearing deposits | 150,491,000 | 146,613,000 | 152,779,000 | 159,238,000 |
| Noninterest-bearing deposits | 15,288,000 | 14,985,000 | 10,548,000 | 17,199,000 |
| Equity capital | 19,530,000 | 19,876,000 | 20,353,000 | 20,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,210,000 | 4,415,000 | 6,646,000 | 8,932,000 |
| Interest expense | 429,000 | 833,000 | 1,221,000 | 1,606,000 |
| Net interest income | 1,781,000 | 3,582,000 | 5,425,000 | 7,326,000 |
| Noninterest income | 168,000 | 326,000 | 441,000 | 565,000 |
| Noninterest expense | 1,154,000 | 2,250,000 | 3,298,000 | 4,547,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 450,000 |
| Pretax income | 645,000 | 1,358,000 | 2,118,000 | 2,894,000 |
| Income tax | 262,000 | 561,000 | 875,000 | 1,178,000 |
| Net income | 383,000 | 797,000 | 1,243,000 | 1,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,575,000 | 18,958,000 | 19,914,000 | 20,367,000 |
| Total capital | 20,318,000 | 20,798,000 | 21,816,000 | 22,347,000 |
| Risk-weighted assets | 136,442,000 | 144,534,000 | 149,393,000 | 155,758,000 |
Machine access — free, no API key
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